Dennis O'Connor wrote:

How many insurance companies have you dealt with?

Denny - used to be in the auto body business...

Several. And my father retired from USAA after a zillion years (30? I think).
So I'd say I have a somewhat better understanding of insurance and actuarial
science that the average Joe.

Don't misunderstand: I was only pointing out what is required for financial
survival, not growth or profit. And I agree that some insurers will try to
minimize claims paid using interesting (or sometimes downright fraudulent)
means.

Russell Kent